Date Received: 2023-09-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had a credit card account opened in my name and {$8800.00} in charges spent in my name in under a month. Another application was attempted to open and capital one notified me and that's how I become aware of the fraudulent charges. The account was opened XX/XX/XXXX. I received emails from capital one, thought they were a phishing scheme, as the hackers changed my email and phone number upon their success. I canceled the fraudulent application XX/XX/20 and closed the fraudulent account with the balance under investigation.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened my credit card on XX/XX/XXXX, on that day they charged me a yearly fee of {$39.00}. I made my first payment on XX/XX/XXXX however they somehow had my moms bank information previously on file and I believed it was mine because we use the same bank. My mom returned the payment on XX/XX/XXXX and I corrected it to credit from my account on XX/XX/XXXX. They were able to successfully pull my payment on the XXXX. Then on XX/XX/XXXX they attempted to pull a payment for XXXX however I used the app to cancel this prior to the first. Although I was opted into overdraft protection through my bank. My bank did not authorize this payment to go through and returned the payment. Then on the XXXX I had a payment set for XXXX . And my bank once again returned the payment. I went in and spoke to my bank and asked them for a letter to send to capital one that stated I was opted into overdraft protection and they refused to make the payment on my behalf. Because of this I was charged a late fee on my credit card. I paid the entire card balance on the XXXX and this did go through since I spoke to my bank. However on the XXXX capital one decided to close my account. I spoke to them and they said it was because of the returned payments which I had told them it was the fault of my bank XXXX XXXX XXXX XXXX. They continued to tell me that they cant do anything for me and that I had to wait until XX/XX/XXXX to appeal their decision. I have since been refunded XXXX XXXX $ fees for the mistake of the bank and they have described it as an error on my statement as I was opted into overdraft privilege on XX/XX/XXXX.
Company Response:
State: UT
Zip: 84414
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One Finance reported a credit inquiry on my consumer report XX/XX/2023. I did not authorize this credit inquiry. They also did not provide me with documentation and can not provide documents that I authorized this credit inquiry.
Company Response:
State: OK
Zip: 74464
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I KEEP GETTING DENIED
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have an account in Capital One 360 Performance Savings Account. On XXXX XXXX I made a Mobile Deposit into this account. I received A notice on that day stating the following : After an in-depth review of the check deposit ( XXXX ) you made on XX/XX/2023, into your account ending in XXXX, we believe there is an increased risk that the deposit may return based on confidential information that indicates that the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of {$17000.00} until XX/XX/2023. However, as a result of this review, we noticed additional unusual activity and for your protection we restricted your account ( XXXX ). A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. The next E-Mail I received that day stated : We wanted to let you know that your check was successfully deposited, so you can go ahead and destroy your check. Here are the details of your deposit : Amount : {$17000.00} To : Performance Savings, XXXX Deposit Date : XX/XX/2023 Fully Available On : XX/XX/2023 Availability Details : {$17000.00} on XX/XX/2023 It is nowXX/XX/2023, XXXX business days later, and my account is still restricted and I do not have access to this money. I have contacted Capital One various times by phone and E-Mail and I have not received any clear indication of the status of this account. XXXX XXXX XXXX : XXXX E-Mail : XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2023 I purchased gas at XXXX XXXX in XXXX Pennsylvania. The pre-authorization amount and hold was {$170.00}. In my other instances at this gas station, the hold was lifted within 24 hours. However, the hold was never lifted. I was charged for XXXX gallons of gas despite the fact that my gas tank can only hold up to XXXX gallons. I have disputed this twice, Capital One refused to reach out to the merchant. I had to spend approximately twelve hours on the phone over the course of three months, just to get a minimal amount of information from the merchant. Once I finally received the receipt from the merchant and uploaded it to a third dispute with Capital One I was informed that not only can I not be helped, but also that too much time had passed. This can not be accurate because my original dispute was within 10 days of the charge and I have been in contact on multiple occasions since that time. Compounding this issue is the compounded interest since that time. Ive been charged interest on the additional {$100.00} that I am owed and I have not been able to use my credit card since.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On Saturday, XX/XX/2023, I was attending an event sponsored by Bass Pro Shop. With this, they had stands set up for Bass Pro Shop Club card applications. We had a gentleman persuade us to apply before knowing it was a credit card application. I began to fill out the application but quickly realized it was for a credit card and stopped. I told the gentleman that I didnt want to apply for a credit card and to not proceed with my uncompleted application. He agreed, and we walked off. This morning, XX/XX/2023, I received an email welcoming me to the Bass Pro Club, which I refused to finalize my application for, which means my application was fraudulently completed and submitted by someone other than me. Today, I contacted Bass Pro, who then transferred me to XXXX XXXX, who then helped me file a claim and close my account. They stated that it could take up to XXXX days to determine if the act was fraudulent.
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an alert on XXXX about a new hard inquiry today XX/XX/2023 for Capital One. I DID NOT apply for anything and I am a victim of fraud. I called XXXX and the representative created a report of this fraud.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have several billing disputes with several merchants. This useless bank keeps asking me for documents and when I send this useless bank the documents it asks me for it's never good enough for them! Useless! I'm an excellent customer with excellent credit! I maintain my account with this useless bank impeccably! I expect more from the banks I do business with! I need a bank who will work hard for me! That's not this useless bank!
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A